The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jun. 11, 2019

Filed:

Nov. 17, 2017
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Anand Ahuja, Hoboken, NJ (US);

Alfred James Reed, Huntersville, NC (US);

Joe Nathan Lamar, III, Lithia Springs, GA (US);

Ayeesha Sachedina, New York, NY (US);

Assignee:

BANK OF AMERICA CORPORATION, Charlotte, NC (US);

Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06F 15/173 (2006.01); H04L 12/717 (2013.01); H04L 12/911 (2013.01); H04L 29/06 (2006.01); H04L 12/66 (2006.01); H04L 29/08 (2006.01);
U.S. Cl.
CPC ...
H04L 45/42 (2013.01); H04L 12/66 (2013.01); H04L 47/70 (2013.01); H04L 63/08 (2013.01); H04L 63/102 (2013.01); H04L 67/20 (2013.01);
Abstract

The centralized resource routing and distribution improves upon the routing of interactions and distribution of resources for interactions between users and operator entities. A centralized gateway is provided through which interactions may be routed and resources distributed using one or more substitute interfaces. The one or more substitute interfaces may mimic interfaces of the operator, or otherwise provide a universal interface for use of multiple resource pools for the interactions. Use of the gateway and substitute interfaces increases processing capacity, reduces memory requirements, and/or improves processing time for both the operator entities and the organization entities since it provides for centralized routing and distribution for multiple operator entities without the operator entities having to store and/or process user information or the interactions associated therewith.


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